In October 2011, the federal government approved changes to the Home Affordable Refinance Program (HARP) in order to provide more homeowners with mortgage assistance. the newly expanded HARP program is the allowance of an unlimited loan-to-value (LTV) ratio. No matter how under water you are, you can still apply. HARP 2.0 gives homeowners the ability to refinance at today's low mortgage rates without concern for private mortgage insurance, exorbitant closing costs and fees, and not even requiring an appraisal in most cases.

Lexington Home Loan is ready to help you determine if the new HARP program is right for you.

To qualify, you must meet the following:

Your Home-to-Loan value is 85% or higher

Your mortgage must be paid on-time for the previous six months and current

Your loan was originated with Fannie Mae or Freddie Mac before June 1, 2009

The new HARP program is not debt forgiveness, but for qualified homeowners it can help lead to financial stability and lower your rate. To qualify please click here.

Lexington Home Loans has been synonymous with quality and versatility. Whether you’re considering refinance or purchase a single-family home, townhome or condominium, we deliver exceptional closing speed, attention to detail, unparalleled loan programs and competitive pricing that stands the test of time. Our commitment to lend and be a part of every community makes us a smart choice for today’s families. Lexington Home Loans grown from the traditional activities of refinance and purchase to a larger and broader vision. Our new vision includes investing in our business and technology to improve the needs of our client base and the way we actually service it. Through higher technology, we have the ability to go beyond servicing by changing the status and communication through the client base. By doing so, we dramatically improve our customers' competitive positions. Lexington Home Loans is in the midst of an incredible transformation brought on by the Internet explosion. Our pursuit of digitization will rapidly change our dealings with our vendor, partners, and most of all, our customers.

At Lexington Home Loans we are committed to provide the best programs and best services to our clients. We believe if we can develop a win-win situation among our clients, we will succeed! If we fail, we will lose.

Lexington Home Loans professionals are some of the best in the business of mortgage banking, offering the knowledge of over 200+ lenders and 5,000+ programs that are made available to us so we can better serve our client one at a time.

As an approved lending institution and brokerage firm, Lexington Home Loans delivery a real result provided with a fast credit decision and a broad array of innovative loan products so that we can deliver our commitment through flexibility and end result.

Lexington Automated Underwriting System can give our client a credit decision within 10 minutes after a completed loan application is received and processed. "Whether you're refinancing to pay off your debt, purchasing a home, or cash out for home improvements, we are here to help you meet your goals."